EDIT: The Cardup member get member promotion has been extended indefinitely

I’ve written previously about the startup Cardup, which charges a 2.6% fee in exchange for letting you use your credit card to make payments that normally couldn’t be made using a credit card. This means you can earn rewards points and miles on payments like rental, school fees, condo fees, insurance etc. Think of it conceptually as an opportunity to buy miles at a discounted rate.

Under this promotion, any member that signs up via your referral code gets $20 off the Cardup fee for their first payment. You get $20 off your next payment for each successful referral. The maximum amount of free credit you can earn is $200 per account, or 10 referrals. Given the 2.6% fee, a $20 Cardup credit will cover the fees incurred on a ~$770 maximum value transaction.

I realise the last time I wrote about this there was some confusion as to which cards earn 10X rewards points through Cardup. I have previously confirmed receiving 10X rewards points on Cardup using my DBS Woman’s World card for a transaction made in November 2016. I have not personally tested any of the following cards which offer 10X for online spending

The long and short of the matter is that there isn’t a whole lot of transparency on the back end of the banks as to how they classify transactions. There’s always a risk that you’ll not get what you were expecting. However- this member gets member promotion presents an opportunity for us to test different cards. Whether or not your 10X successfully posts, you don’t end up out of pocket, so that should lower the barrier to trying.

As a reminder, if you use a card like the UOB PRVI, you’ll get 1.4 mpd, or 1.86 cpm. You could potentially get 0.65 cpm with a 10X card, but that depends on whether you’re willing to gamble with either getting 10X or 1X (0.4 mpd).

Sharing is caring- please post the results of your field testing below. There might not be a point testing the HSBC Advance (assuming they don’t renew the 10X promotion), but I’d be interested to see what happens for other cards. Will give my Citibank Rewards card a test, if someone sends some free credit my way!

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